tib dallas, tx, announces hoover elected cfo, silva is private bk … · 2013. 10. 18. ·...

Angela Silva has joined Bank of Al-buquerque, N. A., as senior vice presi-dent and market executive of The Private Bank. An-nouncement of her appointment was made by Jen-nifer S. Thomas, chairman/CEO. Silva has 19 years of bank-ing experience, with 12 years of leadership in wealth management. Prior to joining Bank of Albuquerque, she served with Wells Fargo Bank, where she led the region-al private bank team as vice president and manager. Silva holds a BA degree from South Dakota State University and a master’s degree in organizational management from the University of Phoenix. Her community involvement includes cur-rent service on the board of directors for The Golden Apple Foundation of New Mexico, a non-profit organiza-tion that works to inspire, develop, and support teacher excellence Q

TIB-The Independent BankersBank, Dallas, TX, has announced the retire-ment of Curtis Harvey, execu-tive vice presi-dent and advisory director, as CFO and the election of Terry Hoover, senior vice presi-dent, as Harvey's successor. Mi-chael G. O’Rouke, president/CEO, made the announce-ment. Harvey joined TIB in 2003 and served as the bank’s CFO for the past nine years. His banking career began in 1972 as an accounting officer with the former Republic National Bank of Dallas. He later served with MBank, Bank One, and First Financial Bank-

Volume 140, No. 9March 5, 2012

In This Issue...FDIC-Insured Institutions Report 4th Quarter/Full-Year 2011 EarningsFeature..............................................3

Two Large TX Acquisitions..........7

Charter Activity..............................8

Classified.........................................9

Please route this issue:

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Hoover

TIB Dallas, TX, Announces Hoover Elected CFO, Harvey Retires After 40-Year Banking Career

Published weekly on Mondays except fifth Mondays

Harvey Silva

Kinerk

shares in Abilene, TX. He is a graduate of Baylor University and served in the U.S. Navy during the Vietnam War. Hoover, a CPA, served as director of risk manage-ment services pri-or to being named CFO. His back-ground includes serving as a com-munity banker and service as a bank examiner with both the FDIC and OCC. He is also a U.S. Navy veteran and earned a de-gree in finance from Stephen F. Austin State University. TIB is the nation’s largest bankers’ bank serving over 1,800 banks in all 50 states. The bank is celebrating its 30th anniversary in 2012 Q

Kinerk Joins First Scottsdale in Arizona asSenior Vice President in Small Business BankingRich Vogel, chairman and CEO, First Scottsdale Bank, Scottsdale, AZ, has announced the appointment of Kevin Kinerk to senior vice president. He is responsible for business develop-ment, specializing in Small Business Administrat ion (SBA) lending and small business banking. With 20 years of banking and com-mercial real estate experience in the Phoenix area, Kinerk has managed lending teams that have earned nu-

merous distinctions for their SBA-lending expertise. A 1990 graduate of Loyola Marymount University in Los Angeles, CA, he has twice been named Banker of the Year by Business Devel-opment Finance Corporation (BDFC) and Southwestern Business Financing Corporation (SWBFC) and has been the top producer of SBA loans in AZ. Kinerk is an active member of the board of directors for Junior Achieve-ment of Arizona, serving as immedi-ate past-chairman. He has also been involved with Arcadia Pride, Brokers for Kids, NAIOP, Valley Partnership, and the National Association of Gov-ernment Guaranteed Lenders (NAG-GL) Q

Silva Is Private Bk Exec, Bank of Albuquerque

BANKERS DIGEST March 5, 2012

The board of directors of American Bank Waco has announced the elec-tion of Ray M. Deaver as chair-man and the naming of former chairman M. N. “Buddy” Bostick as chairman emer-itus. Bostick had held the chairman position for the past 30 years. The announcement was made by David G. Hicks, presi-dent/CEO of the bank. Deaver has served on the bank’s board of directors since 1982. He is a 1962 graduate of Baylor University and a U.S. Air Force veteran. He had a 40-year career at KWTX television as station manager and retired in 2001. Bostick is a 1939 graduate of Bay-lor University and a U.S. Army Air Corps veteran. He was the first station manager at KWTX television in 1946, serving for 50 years until the business was sold in 1999. American Bank, N. A., Waco, estab-lished in 1952, is celebrating its 60th anniversary. The bank reports assets of $365 million Q

James Sheridan has joined Texas Bank and Trust Company, Longview, as senior vice pres-ident and commer-cial lending officer at the West Grande location in Tyler, according to bank Chairman Rogers Pope. Sheridan joins Texas Bank from Southside Bank, Tyler, where he was a senior vice president/commercial lender and branch manager. He holds a BBA degree in finance from The University of Texas at Tyler, is a graduate of the ABA National Consumer Lending School at The Uni-versity of Oklahoma, an honor gradu-ate of the TBA Commercial Lending School at The University of Texas at Austin, and an honor graduate of the Southwestern Graduate School of Banking at SMU. An active member of the Tyler com-munity, he serves on the Junior Achieve-ment of Greater Tyler board of directors and is a member of the Tyler Rotary Club and Tyler Masonic Lodge #1233 Q

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American Bank Waco Elects Deaver Chairman

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Sheridan Joins Texas Bank & Trust in Tyler

Oakes Is CFO, PollockCAO, Encore in HoustonEncore Bancshares Inc., Houston, re-cently announced Patrick Oakes has assumed the role of CFO following the previously announced retirement of Andy Creel. In addition, Stephanie Pollock has assumed the roles of chief accounting officer and controller. Both joined Encore in August 2011. The an-nouncement was made by James S. D’Agostino Jr., chairman. Patrick previously served at Ster-ling Bank, Houston, as senior vice president, treasurer. Prior to his 10 years at Sterling, he served at South-west Bank of Texas and with several securities firms. He is a CFA charter-holder, earned a bachelor’s degree from Texas A&M University, and holds an MBA degree from Richmond Col-lege in London. He is a board member of the CFA Society of Houston. Pollock also joined Encore from Sterling Bank, where she was senior vice president and director of finan-cial reporting. She is a CPA with a BBA degree from the University of Hous-ton. She has proficiency in financial reporting and extensive experience in managing SEC matters. She pre-viously worked for Pricewaterhouse Coopers and Osburn, Henning & Co. of Orlando, FL Q

SheridanDeaver

March 5, 2012 BANKERS DIGEST

F e A T U R e

Source:Federal Deposit Insurance Corporation

www.fdic.gov

INDUSTRY EARNINGS FDIC-Insured Institutions Earned $26.3 B in Fourth Quarter of 2011, $119.5 B

for Full Year 2011

B D

FEATURE

(continued on Page 12)

Commercial banks and savings in-stitutions in-sured by the Federal De-posit Insur-

ance Corporation (FDIC) reported an aggregate profit of $26.3 billion in the fourth quarter of 2011, a $4.9 billion improvement from the $21.4 billion in net income the industry reported in the fourth quarter of 2010. This is the 10th consecutive quarter that earn-ings have registered a year-over-year increase. As has been the case in each of the past nine quarters, lower pro-visions for loan losses were respon-

sible for most of the year-over-year improvement in earnings. FDIC Acting Chairman Martin J. Gruenberg said that “2011 represent-ed the second full year of improving performance by the banking system. Banks reported higher positive aggre-gate earnings, the numbers of ‘prob-lem’ banks and failures declined, and loan balances increased in the final three quarters of the year.” He also not-ed that “insured institutions of all sizes continued to make substantial prog-ress in improving their profitability.” A majority of all institutions (63%) reported improvements in their quar-terly net income from a year ago. Also, the share of institutions reporting net losses for the quarter fell to 18.9% from 27.1% a year earlier. The average return on assets (ROA) rose to 0.76% from 0.64% a year ago. Fourth-quarter loss provisions to-taled $19.5 billion, about 40% less than the $32.7 billion that insured in-stitutions set aside for losses in the fourth quarter of 2010. Net operating revenue (net interest income plus to-tal noninterest income) was $3.8 bil-

lion (2.3%) lower than a year earlier, due to a $4.4 billion (7.4%) decline in noninterest income. Asset quality indicators contin-ued to improve as insured banks and thrifts charged off $25.4 billion in un-collectible loans during the quarter, down $17.1 billion (40.2%) from a year earlier. Noncurrent loans and leases (those 90 days or more past due or in nonaccrual status) fell for a seventh quarter, but the percentage of loans and leases that were noncurrent re-mained higher than in previous crises. Financial results for the fourth quarter of 2011 and the full year are contained in the FDIC’s latest Quarterly Banking Profile on the FDIC Web site at http://www2.fdic.gov/qbp. Among the findings: Growth in loan portfolios contin-ued. Loan balances posted a quarterly increase for the third quarter in a row. Total loans and leases increased by $130.1 billion (1.8 percent), as loans to C&I borrowers increased by $62.8 billion, residential mortgage loan bal-

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Vickie Bennett has been promoted to senior vice president of corporate values and hu-man resources for First Bank & Trust/PrimeWest Mort-gage. Allyn Piland has been promot-ed to senior vice president of sec-ondary marketing for PrimeWest Mortgage. Both bankers serve in Lubbock. A graduate of Wayland Baptist University, Bennett has more than 25 years of human resources and public relations experience in both the pub-lic and private sectors. In 2009, Lub-bock’s Society for Human Resources Management rec-ognized her with the Professional of the Year Award. A graduate of Texas Tech Uni-versity, Piland has been a valuable part of PrimeWest for the past seven years, serving as

Rusty Garvin has joined TexStar Na-tional Bank, San Antonio, as senior vice president and branch president of the San Antonio downtown loca-tion at 803 Com-merce St. He has 15 years of bank-ing experience and was a top producer with his former employer Wells Fargo Bank, where he served as a business relationship manager. His background is in business banking and lending TexStar National Bank has become the seventh largest San Antonio-based bank in only eight years and serves the San Antonio and New Braunfels areas with five locations. The bank is a Pre-ferred Lender of the SBA Q

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GarvinBennett

Garvin Is Branch Pres, TexStar in San Antonio

Bennett and Piland Are SVPs in Lubbock

Garcia Promoted to AVP, First Financial SweetwaterFirst Financial Bank, N. A., Sweetwater, has promoted Renee Garcia to assis-tant vice president of retail banking. Garcia has served at First Financial for more than 11 years as both a teller and a personal banker. She holds an associate’s degree from Western Texas College Q

Kosub & Wilkinson Upped, First Commercial in Seguin

Mark Long, president/CEO, First Com-mercial Bank, N. A., Seguin, has an-nounced that Mandy Kosub has been promoted to marketing and human resources officer. She began her ca-reer in 2008 as an administrative as-sistant and marketing coordinator. She serves on the Seguin Noon Rotary Club’s board of directors and is also a member of the Leadership Seguin Class of 2011-2012. She holds a BBA degee in management and marketing from Texas State University. Lindsay Wilkinson has been pro-moted to deposit operations supervi-sor. She began her career in 2009 as an analyst in deposit operations. She holds a BBA degree in management from Texas State University Q

Citizens National of Wills Point Director Norman D. Ellis DiesChairman of the board of directors for Citizens National Bank of Wills Point Dr. Norman D. Ellis died on November 7, 2011, at the age of 78 in Fort Worth. He was a founding director of Citi-zens National in 1981 and became chairman of the board of directors in 1990. He was instrumental in the growth and success of the Van Zandt County bank. Ellis was born in Wills Point on July 14, 1933, and lived in North Rich-land Hills for over 50 years. He was the chairman and professor of man-agement/marketing at Tarrant County Community College from 1972 to 1992. He was also owner of Ellis Develop-ment Company and Properties. He held a Ph.D. in management from the University of North Texas (1973) and BBA (1954) and MBA (1968) degrees from North Texas State University Q

Piland

loan processor, assistant loan officer, and in her current role in secondary marketing. She has served the Lub-bock community by playing an active role in fundraising for both the Ameri-can Diabetes Association and the United Way Q


p e o p l e TeXAS oKlAHoMA

Thompson Reappointed OK Bank CommissionerGovernor Mary Fallin has recently an-nounced the reappointment of Mick Thompson as the Oklahoma State Banking Commissioner for a four-year term beginning in September pending Senate confirmation. Thompson was first appointed bank-ing commissioner in 1992 under Gov. David Waters and was reappointed by both Gov. Frank Keating and Gov. Brad Henry. Prior to his first appointment, he served with Central National Bank in Poteau. He has also served in the OK House of Representatives as chairman of the Banking and Finance Commit-tee, and as president of the Oklahoma Community Bankers Association. He has worked extensively with the Conference of State Bank Supervisors (CSBS), serving as chairman. He is a graduate of Southeastern OK State Uni-versity and holds a graduate degree in banking from the University of Colorado Q

Schielack Named Vice Pres, Mercantil Commerce Houston

Ferrell, Ezzo, and Miller Join AccessBank in Denton

Mercantil Commerce Bank has named Lance Schielack vice president and domestic corporate banking officer in the Houston market. He is respon-sible for managing corporate relation-ships, in particular the oil & gas in-dustry. The announcement was made by Francisco Rivero, senior vice presi-dent, corporate banking manager for Houston and Mexico. Shielack has eight years of corpo-rate banking experience. Prior to join-ing the bank, he served as senior vice president and commercial banker at Bank of Houston and also served as senior vice president and commercial banker at Sterling Bank, Houston, for three years. He earned a BBA degree in finance from Texas A&M University. Mercantil Commerce Bank, $6.8 bil-lion in assets, is the largest financial services provider in Venezuela. The bank has one Houston branch and 17 U.S. branches, primarily in South FL Q

AccessBank Texas, Denton, has an-nounced three recent appointments. Jeff Ferrell has joined as vice pres-ident and commercial lender. He has 13 years of mortgage and commercial lending experience in the Denton and Collin County areas. He attended the University of North Texas and Mid-western State University and received a commercial lending diploma from the American Bankers Association. Patrick Ezzo has joined as vice president and commercial lender. He has more than eight years experience as a commercial and residential lend-er in the Denton and Lewisville area. He is a graduate of Texas State Univer-sity with a degree in finance. Kathy Miller has joined as vice president in business development. She has over 10 years of experience in commercial banking products and marketing in the community banking in the northeast Tarrant County area. She is a graduate of the University of North Texas Q

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Retired Dallas Banker/Lender Gary D. Good Dies at Age 74Retired career banker/asset-based lender Gary D. Good died on Janu-ary 17 following a battle with cancer. He was 74 years old and a native of Lancaster, PA, where he was born on March 10, 1937. He moved to TX at the age of 15. Good served for many years with First National Bank in Dallas in the credit department and in asset-based lending. He served with the bank through several successors departing during the NationsBank era. He held a BA degree from SMU and was a graduate of the Southwestern Graduate School of Banking at SMU Q


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TRADe ASSoCIATIoN

loUISIANA ARIZoNA

Johnson Joins Bank of Tucson as SVP/RetailBank of Tucson announced the hir-ing of Andrea Johnson as senior vice president of retail banking. She pre-viously served as district manager at Wells Fargo Bank. She has 25 years of banking experience and is a member of the El Rio Foundation Board Q

Johnson

ABA Names Felts SVPJonathan D. Felts has been named senior vice president of political advo-cacy and grassroots of the American Bankers Association effective Febru-ary 15. He will oversee the grassroots advocacy program, Congressional Re-lations and Public Policy Group Q

Fontenot Tapped Reg Retail Manager, MidSouthJennifer Fontenot has been promot-ed to regional retail manager at Mid-South Bank, N. A., Lafayette. She is adding responsi-bility for the Lafay-ette, Opelousas, and Carencro retail banking centers to her existing role as banking center manager of the Ambassador Caf-fery Parkway location in Lafayette. She manages and directs a group of 11 banking centers. A 17-year banker, she has been a banking center manager at MidSouth for the past six years and before that a branch manager for IberiaBank. She also served with Bank One and First National Bank of Lafayette. Fontenot is a 1999 graduate of the Universith of Louisiana at Lafayette Q

Fontenot

Ducrest Reappointed OFI CommissionerGovernor Bobby Jindal has announced the reappointment of Commissioner John Ducrest to another four-year term as commis-sioner of the Loui-siana Office of Financial Institu-tions. In addition to serving as Com-missioner since 2004, Ducrest has served as chairman of the Conference of State Bank Supervisors since January 2011. He served as deputy chief exam-iner of the OFI from 1994 to 2004 and financial examiner from 1985 to 1994. Ducrest is a CPA, a certified fraud examiner, and a certified examina-tions manager. He is 1994 graduate of the Graduate School of Banking at LSU and holds a BS degree in business administration from UofL at Lafayette Q

Ducrest


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Carlile to Acquire Northstar Bank of Texas

Prosperity Bancshares Inc., the parent of Prosperity Bank, El Campo, has signed a definitive merger agreement with American State Financial and its wholly-owned subsidiary American State Bank, whereby the Lubbock-based bank will merge with Prosperity Bank. This deal will be Prosperity’s initial entry into the West TX banking market. American State operates 37 bank-ing offices in 18 counties across West TX. As of December 31, 2011, the bank reported total assets of $3.08 billion, total loans of $1.21 billion, and total deposits of $2.46 billion. Under the terms of the agreement, Prosperity will issue up to 8,525,000 shares of Prosperity common stock (NYSE-listed) plus $178.5 million in

Northstar Financial Corporation (“Northstar”), Denton, and Carlile Bancshares Inc, (“Carlile”), Fort Worth, have entered into a definitive agree-ment in which Carlile will acquire Northstar and its subsidiary North-star Bank of Texas, Denton. This ac-quisition will be the largest for Car-lile, whose intentions are to establish Northstar Bank as the flagship bank and continue to operate under the Northstar Bank name with its existing leadership team. Rob Gentry, North-star Bank’s chairman of the board, will remain on the board and will join Car-lile’s board of directors. Tony Clark will remain the bank’s president/CEO. Carlile was established in 2009 by experienced community bankers Tom C. Nichols, chairman/CEO, and Don E. Cosby, president/COO, with the purpose of investing in community banks positioned for growth. Northstar Bank has 10 locations in North TX and has almost $1 billion in assets. Carlile has two bank sub-sidiaries, Treaty Oaks Bank with five locations in Austin and Marble Falls, and Bank of Broadmoor with four lo-cations in Colorado Springs, CO; and combined assets of about $300 million. The transaction is expected to be completed in the second quarter of 2012 and is subject to closing condi-tions and necessary approvals Q

Prosperity to Acquire American State Bank Franchise in West Texascash for all of the outstanding shares of American State Financial, subject to certain conditions and potential adjustments. Based on the February 24 closing price of $41.14 of Prosperity common stock, the deal has a poten-tial value of more than $529 million. This equates to a P/BV of 1.89x, P/TBV of 2.06x, P/E of 12.6x, P/A of 17.2%, P/D of 21.5%, and a tangible book premi-um/core deposits of 13.5%.

American State Bank has served the West TX market for nearly 64 years, beginning with a single location in Lubbock in 1948. W. R. Collier, chair-man/CEO, will become a director of Prosperity Bancshares and serve as senior chairman-West TX area. The merger is expected to close in the third quarter of 2012 and is sub-ject to certain conditions and neces-sary approvals Q


R e G U l A T o R S

C h a r t e r

a c t i v i t y

GA and MN Banks Fail; Total YTD Failures ElevenThe Georgia Department of Banking and Finance closed Central Bank of Georgia, Ellaville, on February 24 and appointed the FDIC receiver. The FDIC entered into a P&A agreement with Ameris Bank, Moultrie, GA, to assume all of the deposits and to purchase es-sentially all of the assets under a loss-share transaction. As of December 31, 2011, Central Bank of Georgia had approximately $278.9 million in total assets and $266.6 million in total de-posits. The failure is the second in GA this year. The Office of the Comptroller of the Currency closed Home Savings of America, Little Falls, MN, on February 24 and appointed the FDIC receiver. The FDIC approved the payout of the insured deposits and will retain all the assets for later disposition. As of December 31, 2011, Home Savings of America had approximately $434.1 million in total assets and $432.2 mil-lion in total deposits. The failed bank operated two branches in Orange County, CA, and one in Walnut Creek, CA. The failure is the second in MN this year Q

ArkansasBRANCHES The FEDERAL RESERVE BANK OF ST. LOUIS has filed applications by Arvest Bank, Fayetteville, for a branch at 13301 Crystal Hill Rd., North Little Rock, and at the SWC of Hwy. 51 and Hwy. 69, Wagoner, OK.MEMBERSHIP The FRB OF ST. LOUIS has filed an application by Arkansas County Bank, DeWitt, to become a member of the Federal Reserve System.OklahomaBRANCHES The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has ap-proved an application by Vision Bank, N. A., Ada, to relocate a branch from 1800 Arlington to 1900 Arlington, Ada.TexasBRANCHES The OCC has approved an applica-tion by Post Oak Bank, N. A., Houston, for a branch at 8350 Phelan Blvd., Ste. A, Beaumont. The OCC has approved an applica-tion by Amegy Bank, N. A., Houston, to relocate a branch from 13135 Louetta Rd., Ste. A, to 13060 Grant Rd., Cypress.

The OCC has approved an applica-tion by Wells Fargo Bank, N. A., Sioux Falls, SD, to relocate a branch from 1901 Central Dr. to 2305 Central Dr., Bedford; and received an application to relocate a branch from 209 E. Mul-berry St. to 800 N. Loop 274, Angleton. The OCC has received an applica-tion by Texas Gulf Bank, N. A., Free-port, to relocate a branch from 1100 B Friendswood Dr. to 1003 S. Friend-swood Dr., Friendswood. The OCC has received an applica-tion by Broadway National Bank, San Antonio, to relocate a branch from 425 Soledad to 1100 McCullough, Ste. 100, San Antonio. The TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LEND-ING has filed an application by Syn-ergy Bank, SSB, McKinney, to relocate a branch from 321 W. Oak St. to 2209 W. University Dr., Denton.MERGERS AND ACQUISITIONS The FRB OF DALLAS has filed an application by UTB Financial Holding Company, Dallas, to become a bank holding company by acquiring 100% of United Texas Bank, Dallas.VirginiaMERGERS AND ACQUISITIONS The FED BOARD OF GOVERNORS has approved a notice by Capital One Financial Corporation, McLean, to ac-quire ING Bank, fsb, Wilmington, DE, and thereby indirectly acquire Share-Builder Advisors, LLC, and ING Direct Investing Inc., both of Seattle, WA Q

Capital One Closes Deal to Acquire ING Bank, fsbAfter receiving the green light from the Federal Reserve Board of Gover-nors, Capital One Financial Corpo-ration, McLean, VA, acquired online banking ING Bank, fsb, Wilmington, DE, and thereby indirectly acquired ShareBuilders Advisors, LLC, and ING Direct Investing Inc., both of Seattle, WA, on February 17. The approval of the $9 billion merger is seen as a key test of the new “rules-of-the-road” under the Dodd-Frank Act for large organizations in-volved in complex activities. According to an article by Maya Jackson Randall in The Wall Street Journal, the Fed’s or-der “sends a cautionary note to sizable banks looking to gobble up their peers through cost-saving combinations.” The Fed required Capital One to beef up its risk-management pro-grams, including compliance. Capital One’s CFO Gary Perlin said, “The bar is being raised for all banks.” Q

1 4 8 O O S T M A R Y ’ S L N • S U I T E 1 2 O • H O U S T O N , T X 7 7 O 7 9W W W . M G A R C H I T E C T S . C O M • 7 1 3 - 5 5 2 - O 7 O 7

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HOUSTON LENDER for community bank with book of business needed. Good opportunity for the right person. Sharon Emiliano, Babich & Associ-ates, [email protected], 214/823-9999, #306. www.babich.com.

Energy Inv. Banker, Lender with Book & Sr. Compliance NEEDED @ $100k+. Charles Gallamore, Babich & Associates, [email protected], 214/823-9999, #304.

CREDIT OFFICER with 5-7 years experience needed in the TULSA AREA to assist commercial lend-

ers and later create a department. Donald Graff, Babich & Associates, [email protected] 214-823-9999, #325.

AUSTIN/CENTRAL TEXAS AREA: Bank needs AVP/VP-level COMMER-CIAL LENDER. Strong credit skills preferred, will inherit portfolio. Mark Mitchell, Lone Star Search, 972.335.9009, www.lonestarsearch.net.

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CHIEF OPERATIONS OFFICER, Texas: Position supervises Branch Ops, HR, IT,BSA/AML, Customer Service, Teller Ops, Core Processing, Strategic Planning. Mark Mitchell, Lone Star Search, 972.335.9009, www.lonestarsearch.net.

SAN ANTONIO - area community bank seeks SEASONED LENDING AND RELATIONSHIP MANAGING EXECUTIVE with generalist lending skills and ability to manage one or more branches. Knowledge of agri-cultural credits helpful, but not es-sential. Business development and administrative skills and the desire to be part of the community and se-nior management team will be im-portant. Send resume in confidence to [email protected], subject line Box J-7.

COMPLIANCE OFFICER needed for community bank in West Texas area. Will require establishment and implementation of bank-wide policies, procedures and training. Strong compliance experience re-quired. Send resume in confidence to [email protected], subject line Box D-7.

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lin County. Competitive compensa-tion and stock options. Ground floor opportunity with bank capitalized for growth. Resume in confidence to [email protected], subject line Box F-5.

CASHIER needed for a community bank in the Hill Country. Require-ments include a degree in Finance or Accounting and 10 years expe-rience in small market bank. Du-ties include: supervise 7 operating employees, manage in-house com-puter processing system, respon-sible for daily accounting, financial reporting, and managing human re-sources. Please forward resume to [email protected].

Mineral Wells, Texas, community bank seeks a LENDING OFFICER trained in general banking and lending to small business and con-sumers. This position within a fast growth environment in a rural set-ting connected to DFW requires five years direct banking customer in-teraction and recent lending expe-rience. A four year degree is also re-quired. Send resume to [email protected] or call 940.325.9821.

INTERNAL AUDITOR for financially strong community bank in the Lub-bock area. Seeking well qualified specialist experienced in bank au-dits. Must have a working knowl-edge of bank policies, procedures, and pertinent lending regulations. A minimum of 5 years hands-on bank auditing experience is required. Send resume to [email protected] subject line Box F-4. EEO/AA.

SENIOR COMMERCIAL LOAN OF-FICER, Victoria Texas: Responsible for servicing existing loan portfolio, developing new loan, deposit and fi-nancial services relationships. Qual-ifications: Must have minimum of 10 years experience in commercial lending. Formal training in credit analysis. Extensive knowledge of

town San Antonio seeks an experi-enced LENDING ASSISTANT to sup-port 2 commercial lenders, servicing and processing loan applications. Must have current knowledge (and three or more years experience) in lending with understanding of the full lending operations. Submit re-sume in confidence to [email protected].

COMMERCIAL LENDER – SVP level lender needed for strong, Lakeway, TX, community bank. Only candi-dates with a minimum of eight years commercial experience in the Aus-tin market will be considered. Must have a proven record of developing and cultivating long-term customer relationships. Formal credit training preferred. Competitive compensa-tion and benefits package. Please provide resume to [email protected]. EOE.

$400M independent community bank in East Texas has an opening for a COMPLIANCE OFFICER. Must have compliance experience. Send resume in confidence to bankers [email protected], subject line Box D-5.

West Oklahoma City: SVP/VP COM-MERCIAL LENDER needed for strong community bank that operates in Okla-homa and Canadian counties. Bach-elor’s degree preferred with 3-5 years experience and must possess excel-lent skills in business development and

credit underwriting. Send resume in confidence to bankers [email protected], subject line Box F-2.

Well established independent Bra-zoria County, TX, bank seeks sea-soned COMMERCIAL LENDER with confirmed management and lend-ing skills. At least 7 years proven commercial lending experience, in-cluding formal credit training and business degree. Desire to be part of the community and senior man-agement team will be important. Competitive salary – excellent ben-efits. Send resume in confidence to [email protected], subject line Box F-1.

COMMERCIAL LENDER NEEDED: Strong, independent community bank in DFW market seeks a COMMERCIAL LENDER. History of developing local area portfolio required. Desire to be part of the community will be impor-tant. Send resume in confidence to [email protected].

CASHIER needed for 100-year-old community bank in East Texas. Knowledge of regulatory reporting, compliance, and people manage-ment skills required. Send resume to [email protected], subject line Box F-3.

COMMERCIAL LENDER - SVP lend-er needed for independent bank located in Collin County, TX. Must have following in North Dallas/Col-

C l A S S I F I e D


C l A S S I F I e D commercial lending regulations and procedures. College degree in fi-nance, accounting, or related field is required. Qualified applicant please apply online at americanbank.com. Equal Opportunity Employer

Strong, top-rated West Texas bank looking for an experienced MORT-GAGE LOAN OPERATIONS MAN-AGER. Qualified candidates will have knowledge of federal and state laws and regulations, 5+ years of mortgage lending and mortgage management experience. Please submit your resume in confidence to [email protected], subject line Box F-6.

MORTGAGE LOAN ORIGINATOR needed for strong, fast growing West Texas bank. Candidates must have 5+ years of mortgage lend-ing experience, be proficient with FNMA, FHLMC, FHA, VA and other special loan programs, as well as be NMLS registered. Please submit your resume in confidence to [email protected], sub-ject line Box F-7.

West Texas bank seeking experi-enced MORTGAGE LOAN PROCES-SOR. Qualified applicants will have 2+ years of mortgage lending expe-rience preferably in the loan pro-cessing area. The ideal candidate will have knowledge of FHLMC and/or FNMA and FHA/VA guidelines as well as private mortgage insurance

requirements. Please submit your resume in confidence to [email protected], subject line Box F-8.

Dallas area $200MM bank is look-ing for a MORTGAGE LOAN ORIGI-NATOR. Candidates must have 5+ years of mortgage lending expe-rience, be proficient with FNMA, FHLMC, FHA, VA and other special loan programs, as well as be NMLS registered. Please submit your re-sume in confidence to [email protected], subject line Box F-9.

CHIEF LENDING OFFICER needed for $2.5 billion bank in West Texas to oversee all lending and credit functions. Successful candidates will have a strong background in all areas of commercial, agricultural and consumer lending, knowledge of regulatory requirements, strong communication and interpersonal skills, as well as proven leadership abilities. Please submit your resume in confidence to [email protected], subject line Box F-10.

CASHIER/ACCOUNTANT needed for $200MM Dallas area bank. Will be responsible for all financial report-ing and bank operations manage-ment. The qualified candidate will have strong analytical as well as interpersonal skills. Preferable 5 plus years bank cashier experience. Please submit your resume in con-fidence to [email protected], subject line Box F-11.

Experienced LENDING ASSISTANT for North Houston or Montgomery County, strong experience in docu-mentation needed. Great working conditions and excellent compensa-tion is commensurate with experi-ence level. Please forward resume to CORRECTED EMAIL jobs@spiritof texasbank.com.

Small consulting firm seeking EXPE-RIENCED CREDIT PROFESSIONAL, responsible for performing and as-sisting in the management of credit risk consulting projects for a variety of clients in the financial institu-tions industry. Primary focus will be providing loan review services and consulting with clients on credit re-lated matters. Bachelor’s degree in accounting/finance or equivalent combination of education and expe-rience required. Successful candi-date must have 5+ years experience working in financial institutions, ac-counting firm, or consultant posi-tion, and working knowledge as a credit expert including cash flow,

Disaster AssistanceTEMPORARY AND MODULAR BANKING FACILITIES

Temporary and Modular buildings equipped with all bank equipment; night depositories and pneumatic tube systems. BR window and Deal drawer.

National Modular Bank Buildings2810 Lawing LaneRowlett, TX 75088

Call Myrna 1/800-615-7320www.modularbank.comEmail:[email protected]

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ADDRESS CHANGE - When writing to us about your subscription, enclose the address label from your copy of Bankers Digest. You can also change your address or other information at www.bankersdigest.com under subscriptions.

Bankers DigestP.O. Box 743006Dallas, Texas 75374-3006(USPS 041180)

PERIODICAL

loan structure, etc. for CRE, C&I, and ag credits. Must be well versed in current federal and state bank-ing laws related to credit risk, and possess excellent writing and com-municating skills in order to deliver clients a clear and concise report and presentation containing mean-ingful recommendations. Excellent computer skills required, including proficiency in Microsoft Word and Excel. National overnight travel up to 90% may be required. Interest-ed parties please send resume to: [email protected].

EQUIPMENT FOR SALE

FOR SALE: NCR iTran 180 item pro-cessing transport encoder/endorser (4 pockets) designed for reliability and accurancy. Contact Sheri or Nedra at 979/297-4012.

ances rose by $26.0 billion, and credit card balances grew by $21.3 billion. Money continued to flow into in-sured deposit accounts. Deposits in domestic offices increased by $249.7 billion (2.9%) during the quarter. More than three-quarters of this increase ($191.2 billion or 76.6%) consisted of balances in large noninterest-bearing transaction accounts that have tem-porary unlimited deposit insurance coverage. The 10 largest insured banks accounted for 73.6% ($140.7 billion) of the growth in these balances Q

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COMING UP EVENTCBA LIVE

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